Member Driven Value.

Transcription

1 Member Driven Value.

2 Why Gap CI 10K Plan SM Be prepared for the future. Fight back against out-of-pocket expenses. Why should I buy critical illness protection? I have a major medical health plan. While comprehensive major medical health insurance plans cover most expenses for critical illness, you could still be out-of-pocket for medical expenses due to health plan deductibles, coinsurance maximums and out-of-network costs if you choose to go to a doctor or provider not in your network. Critical illness insurance helps to offset some of those out-of-pocket costs. Group Critical Illness Insurance helps with out-of-pocket costs due to the first diagnosis of lifethreatening cancer, heart-attack or stroke. 1 Group Term Life Insurance provides valuable protection for your family in case of loss. 2 The Gap CI 10K Plan sm is a great fit for those reaching middle age, people with a family history of cancer, heart attack or stroke, or those that just want that extra layer of protection for some of their out-of-pocket costs due to being diagnosed with a Critical Illness. Gap CI 10K Plan sm is designed to supplement your comprehensive health insurance plan for additional protection. THIS IS A LIMITED POLICY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A CRITICAL ILLNESS ONLY POLICY. 1 Group Critical Illness Insurance is provided by and underwritten by Windsor Life Insurance Company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Policy Certificate. Benefit for Group Critical Illness Insurance ends at 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis is in the first year from the effective date. 2 Coverage for Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company. Claims for benefits shall be administered based on the Master Policy issued to the United Business Association. Benefit for Group Term Life Insurance ends at age 65.

3 WHO IS UBA United Business Association The United Business Association (UBA) is a nationwide membership of small business owners and employees. UBA leverages our purchasing power to secure benefits and discounts that may not be otherwise available on an individual basis. With association group insurance programs, shared business knowledge, business and lifestyle benefits and services and opportunities to network, We are Better Together sm. Your membership in the United Business Association allows you to access and enroll in association group insurance programs and to apply for association short term medical insurance. Various insurance companies have issued group insurance policies to the United Business Association as the group master policyholder. Product features, additional plans and availability may vary by state. Inside Gap CI 10K Plan Member Guide: pgs: 4-7 Group Critical Illness Insurance Lump sum benefit payment for first diagnosis of a Covered Critical Illness: Life-threatening Cancer, Heart-attack or Stroke. 3 pgs: 8-9 Group Term Life Insurance Lump sum benefit payment for member and covered spouse. 4 pgs: Claims Information & Other Important Membership Details Find out how to file a claim (pg 10-12) and learn about other important membership details like refund / cancellation policy for UBA (pgs 13-15). 3 Group Critical Illness Insurance is provided by and underwritten by Windsor Life Insurance Company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Policy Certificate. Benefit for Group Critical Illness Insurance ends at 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis is in the first year from the effective date. 4 Coverage for Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company. Claims for benefits shall be administered based on the Master Policy issued to the United Business Association. Benefit for Group Term Life Insurance ends at age 65.

4 We pay a benefit if a Covered Person is diagnosed as having a covered Critical Illness for the first time and the diagnosis is made while the coverage is in force. We pay this benefit only if the Critical Illness first occurs after the Effective Date of Coverage for that Covered Person and while the Covered Person s coverage under this Group Policy is in force. We pay a Covered Critical Illness benefit only one time, regardless of the subsequent occurrence of the same or different covered Critical Illness for that Covered Person. It is a lump sum benefit. Once the benefit is paid, coverage for that Covered Person under the Master Policy terminates. Claims for benefits shall be administered based on the Policy Certificate. To be considered first diagnosis of a covered critical illness, it must meet the full definition listed in your Policy Certificate. Please view the Policy Certificate to view full definitions, limitations, exclusions and terms of the Policy Certificate. 5 GROUP CRITICAL ILLNESS INSURANCE MAXIMUM BENEFITS AFTER THE FIRST 12 MONTHS FROM EFFECTIVE DATE + Member Principal Sum Spouse Principal Sum* If 1st Diagnosis Occurs in the First 12 months from Effective Date $10, $10, $1, *Spouse is eligible if listed on the Membership Enrollment Application or later added, recorded, and acknowledged by the Association and meet the age requirements listed in the Policy Certificate. Coverage is available to all active Members of UBA and their eligible spouses between the ages of 18 and 64. Did You Know? Every year, about 735,000 Americans have a heart-attack. Of these 525,000 are a first heart-attack. 6 5 This is a brief description of Group Critical Illness coverage is provided and underwritten by Windsor Life Insurance Company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Policy Certificate. Benefit for Group Critical Illness Insurance ends at 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis is in the first year from the effective date. Stats taken from: Stroke Facts & Heart Disease Facts & Statistics 6 Mozaffarian D. Benjamin EJ Go AS, et al. Heart Disease and Stroke Statistics updated: a report from the American Heart Association. Circulation 2015:131:e29-322

5 Did You Know? Every year, about 795,000 Americans have a stroke. Of these 610,000 are a first or new stroke. 7 Someone in the U.S. has a stroke every 40 seconds. 7 Group Critical Illness Insurance FACTS Group Critical Illness Insurance is provided & underwritten by Windsor Life Insurance Company. 8 Benefits End: When the Covered Person reaches age 65. Stats taken from: Stroke Facts & Heart Disease Facts & Statistics 7 Mozaffarian D. Benjamin EJ Go AS Arnett DK Blaha MJ Cushman M et al., on behalf of the American Heart Association Statistics Committee and Stroke Statistics Sub Committee. Heart Disease and Stroke Statistics-2016 update: a report from the American Heart Association. Circulation 2016:133(4):e Windsor Life Insurance Company is re-insured by Optimum Re.

6 COVERED CRITICAL ILLNESS DEFINITIONS Did You Know? It is estimated there will be 1,688,780 new cancer cases in Stats from: 9 Cancer Facts and Figures 2017 by the American Cancer Society downloaded at

7 Life-Threatening Cancer: Includes only those types of cancer manifested by the presence of a malignant tumor, characterized by the uncontrolled growth and spread of malignant cells that invade tissue, blood or the lymphatic system. As used herein, Leukemia and Hodgkin s Disease (except Stage 1 Hodgkin s Disease) shall be considered Life-Threatening Cancer. 10 CI Definitions Does not include : 1) premalignant tumors or polyps; 2) cancer in situ; 3) carcinoid of the appendix; 4) Stage 0 transitional carcinoma of urinary bladder; or 5) any skin cancers other than malignant melanomas. Stroke: An acute cerebrovascular accident producing neurological impairment and resulting in paralysis or other measurable objective neurological deficit persisting for at least thirty (30) days. This definition of Stroke shall specifically exclude transient ischemic attack (mini-stroke), head injury, chronic cerebrovascular insufficiency and reversible ischemic neurological deficits. 10 Heart Attack: An acute myocardial infarction resulting in the death of a portion of the heart muscle (myocardium) due to a blockage of one or more of the coronary arteries and resulting in the loss of normal function of the heart This is a brief description of Group Critical Illness coverage is provided and underwritten by Windsor Life Insurance Company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Policy Certificate. Benefit for Group Critical Illness Insurance ends at 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis is in the first year from the effective date.

8 GROUP TERM LIFE INSURANCE MAXIMUM BENEFITS + Member Principal Sum Spouse Principal Sum* Coverage Ends at Age* $5, $5, *Spouse is eligible if listed on the Membership Enrollment Application or later added, recorded, and acknowledged by the Association and meet the age requirements listed in the Policy Certificate. Coverage is available to all active members of the United Business Association & their eligible spouses between the ages of 18 and 64. Group Term Life is ONLY available in the following States: AL, AR, AZ, CA, CO, FL, GA, IL, IN, KY, MI, MO, MS, MT, NE, NM, OH, OK, PA, SC, TN, TX, & VA.

9 Did You Know? 85% of consumers agree that most people need life insurance, yet only 62% say they have it Troubling Life Insurance Statistics That You Need to Overcome by Natasha Correlius. Oct 5, Quotacy - Specific quotation is from 2013 Insurance Barometer Study, LIMRA. Coverage is available to all active members of the United Business Association and their eligible spouses between the ages of 18 and 64. We will pay the amount of Member Life Insurance shown in the Schedule of Benefits to your Beneficiary upon receipt of due proof of death. Coverage will become effective upon your effective date and collected dues with the United Business Association. Benefits will be payable and all other terms and conditions of this insurance will be in accordance with the Group Policy issued and any certificates, amendments, riders and endorsements. Insurance for an Insured Member and their eligible spouse will end at age 65. It is a lump sum benefit. Once the benefit is paid, coverage for that Covered Insured under the Certificate terminates. Coverage for Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company. Claims for benefits shall be administered based on the Master Policy issued to the United Business Association. A copy of the Certificate is available upon request.

10 How to File a Critical Illness Claim? United Business Association Claims Unit Windsor Life Insurance Company 1345 River Bend Drive Suite 100 Dallas, TX Phone: Fax: Claims for benefits shall be administered based on the Policy Certificate. A copy of the Policy Certificate is available upon request. Benefits are subject to the definitions, limitations, exclusions and other provisions within the Policy Certificate. For more information and complete details of the terms, conditions, limitations, definitions of covered critical illnesses and exclusions of coverage, please refer to the Policy Certificate. Note: Always include the Covered and Primary Insured s Name, current address, and Certificate Number (which is your social) when addressing claims. All claims must be notified within 30 days after a covered loss occurs or starts, or as soon as possible.

11 FOR TERM LIFE CLAIMS ASSISTANCE United Business Association Claims Unit Investors Heritage Life Insurance Company 200 Capital Ave, Po Box 717 Frankfort, KY Phone: Fax: SCAN CODE BELOW TO VIEW GAP CI 10K PLAN ONLINE or go to link: gapplusplan.com/gapci10k.html

12 Easy access to claim forms. Scan QR Code or go to link to download form. Critical Illness Claim Form: Term Life Claim Form: Critical Illness Claim Form Term Life Claim Form

13 SCAN CODE BELOW TO VIEW STATE SPECIFIC CERTIFICATES FOR GAP CI 10K PLAN INCLUDING EXCLUSIONS or go to link: gapplusplan.com/gapci10k18certs.pdf UBA REFUND / CANCELLATION POLICY If you are not completely satisfied with your UBA Gap Plan, please call your Personal Member Concierge at We will be happy to issue a complete refund of membership dues within the first thirty (30) days. We want you to be 100% satisfied with your UBA Gap benefits and services. Note: This membership is separate from any other insurance or supplemental plan you have purchased. Please contact your agent for any plans other than the UBA Gap Membership Plan. If you are canceling, please make sure to cancel using our cancellation phone number at or our cancellation form located at Please do not cancel through your agent. Cancel directly with GAP to make sure your cancellation request is handled promptly and correctly.

14 In order to purchase the Gap CI Plan sm, you must be a member of the United Business Association. Below are some highlights of your UBA Membership Benefits. + You can view the Member Guide for UBA Membership at: the link located in your member guide. You can also download a quick reference chart that has all the codes needed to access your membership benefits. Download it to your phone, print a copy or save it to your computer. Download UBA Membership Reference Sheet at: visit the link located in your member guide Add Even More Value to your Membership with These Additional UBA Gap Plans GAP DENTAL GAP VISION GAP ER GAP AME GAP CI GAP HCI GAP PLUS GAP MAX SUPER GAP

15 Learn More About Your UBA Benefits & Services Questions? Call Your Personal Member Concierge at Great to Help Keep You Healthy FREE One-A-Day Multi-Vitamins^ FREE Shipping Same Formulas as you find on Shelves at Supermarkets One-A-Day Formulas are Complete from A-Z Order them quickly & simply online Visit the link located in your member guide ^Benefits are paid by Healthy America. DON T FORGET TO REVIEW & USE YOUR UBA MEMBERSHIP BENEFITS MEMBERSHIP BENEFIT & SERVICES HIGHLIGHTS Free Vitamins^ MailMyPrescriptions.com Retail Prescription Discount Card MeMD - Telemedicine 24/7^ Pet RX Prescription Discount Card 24-Hr Nurse Helpline Lab Discounts Discount Hearing Service Gateway Medicard Health Savings Account - HSA Bank Travel Assistance Plan LensCrafters Vision Club GymAmerica.com 24-Hr Roadside Assistance TrueCar Buying Network Graduate Scholarship Program HopTheShops.com LegalConnect TravelerBonus.com Child ID Card Services Car Rental Discounts ADP Payroll Processing 1800Flowers.com Discounts Office Supplies & Furniture Hewlett (HP) Computers & Equipment UPS Express Delivery Service UBA Savings Perks Program National Theme Park Discounts Business Owners Policy Data Breach / Cyber Liability Great for Maintenance Medications Wholesale Pharmacy Service Pay ONLY WHOLESALE Cost of Your Prescriptions No Insurance Required Unlimited Usage Pricing is Guaranteed Use code IN GUIDE when ordering by phone or during online checkout to access your exclusive members-only promotions. Great for When You Get Sick Connect with a Medical Provider Unlimited Free Visits For Members^ Consultations for Common Ailments Available 24/7, 365 days a year No More Long Waits Sitting in a Doctor s Office Visit link located in your member guide to access your unlimited visits ^Visits are paid by Healthy America

16 WE PROUDLY SUPPORT YOUR PERSONAL MEMBER CONCIERGE Order Vitamins Get Help with Plan Benefits Claim Forms and more... UBAMEMBERS.COM SIGN UP Contact Your Agent Today! CI 10K SM Gap CI 10K SampleGuide_v06.18 United Business Association 409 W Vickery Blvd Fort Worth, TX info@gapplusplan.com ubamembers.com